Throughout this problem, use an annual effective interest rate of 4%. a) Assume Rebecca makes deposits to an account at the end of each year for the next 30 years. If her 1st deposit is 5,000, and each subsequent deposit decreases by X, Rebecca's accumulated fund balance will be 200,000 after 30 years. Calculate X. (5 points) b) Assume Rebecca makes deposits to an account at the beginning of each year for the next 30 years. If her 1st deposit is 5,000, and each subsequent deposit is 2% lower than the previous deposit, what is the present value of all the deposits? (5 points) Throughout this problem, use an annual effective interest rate of 4%. a) Assume Rebecca makes deposits to an account at the end of each year for the next 30 years. If her 1st deposit is 5,000, and each subsequent deposit decreases by X, Rebecca's accumulated fund balance will be 200,000 after 30 years. Calculate X. (5 points) b) Assume Rebecca makes deposits to an account at the beginning of each year for the next 30 years. If her 1st deposit is 5,000, and each subsequent deposit is 2% lower than the previous deposit, what is the present value of all the deposits? (5 points)